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Learn All The Things You Will Need To Do Before Buying A New Home

Buying a Home

There is nothing easy about buying a home. You have to be prepared to go through with the entire process. It can be long and even a little frustrating at times. It is not something that will happen overnight and in fact, you have to be able to make this a great experience that will make your dreams come true in the end.  You will end up with the home that you have always wanted.
 Getting the opportunity to buy a home is special.  It will take a lot of hard work and preparing to get to this point. You have to make sure that you have all of your finances in order so that you can make all the right decisions for your home buying experience. You need to make sure that your credit is good so that you can get a decent interest rate that you can feel good about.
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Basics of Credit

Many people are aware of the important role the credit rating plays in their lives. However, understanding what actually goes into a credit score (the credit score breakdown) might present a bit more difficulty. There are several different methods of scoring, but most lenders and banks rely on the FICO method that has been in existence since the 1980's when it was developed by the Fair Isaac Corporation. The three prominent credit bureaus (TransUnion, Experian and Equifax) all worked with Fair Isaac in order to come up with the FICO method.
Your credit score may be any number from 300 to 850. The average American falls at about 690 which is deemed relatively good credit. However, while this score should secure you a loan, it will not get you the very best interest rates on a loan.

 Mortgage Types

There are several types of mortgages to choose from, and there are advantages to each. The major mortgage loan types are conventional, FHA, and VA.  Conventional mortgage loans are the most simple to understand and the most basic.  When you get conventional mortgage financing for your home, you simply borrow a certain percentage of the price of the home (the sale price and fees minus any down payment) and agree to pay it back via monthly payments for a certain number of years.
 
FHA and VA loans are loans that are backed by the Federal Housing Authority and the Veterans Administration, respectively. These two groups both have the goal of helping more Americans realize the dream of home ownership.